You have always wanted a plan that enables you to meet your financial goals and
also gives you financial security over your entire lifetime. Presenting BSLI Vision
- a plan that gives you a lump sum payout on the date of your choice and a life
cover up to the age of 100 years. What’s more, you only pay premiums for a limited
number of years while you enjoy your life cover up to the age of 100 years.

You choose the Sum Assured which is the amount of life insurance cover up to the
age of 100 years.

You choose a Guaranteed Survival Benefit (GSB) Term based on the number of years
after which you would like to receive your payout. This term is also the accumulation
phase of your plan, i.e. the number years for which you would have to pay premiums.

You choose from our range of riders, to enhance the financial security of your family.

Based on your above choices, you will receive a host of benefits
as below:

Guaranteed Survival benefit At the end of the GSB Term, you will receive a fixed
payout known as the Guaranteed Survival Benefit. Along with the Guaranteed Survival
Benefit, you will receive Monthly Additions and Enhancement to monthly additions.
Please read further to know more about Monthly Additions.

Guaranteed Death Benefit In the unfortunate event of the death of the life insured
during the policy term, the nominee will receive the Sum Assured as the Death Benefit.

Guaranteed Maturity Benefit In the event that the life insured survives to the end
of the policy term, you will receive the Sum Assured as the Guaranteed Maturity
Benefit.

Monthly Additions At the beginning of each policy year, your policy will be assigned
the latest Monthly Addition Rate declared by us, provided all due premiums have
been paid in full. Once this Monthly Addition Rate is assigned to your policy, it
will be guaranteed for the next 12 months, and used to calculate your Monthly Additions
during the upcoming policy year. We will be declaring new Monthly Addition Rates
on April 1st of every calendar year. Please ask you financial advisor for the Monthly
Addition Rate currently applicable on your policy. The currently declared Monthly
Addition Rates are as follows (annual rate per 1000 of Sum Assured):

GSB Term

5 to 10 Years

11 to 15 Years

16 to 20 Years

21+ Years

Currently Declared

39.0

39.0

41.4

45.0

Enhancements to Monthly Additions

If your GSB term is more than 21 years and if Monthly Additions have been accrued
for more than 21 policy years, the accrued Monthly Additions payable as a Death
Benefit or a Survival Benefit shall be enhanced by the following percentage:

Sum Assured Band

Band 1

Band 2

Band 3

Band 4

Sum Assured (Rs.)

100,000 to 199,999

200,000 to 399,999

400,000 to 799,999

800,000 +

For Each Policy Year Exceeding 21

2.50%

5.00%

6.25%

6.75%

Benefits of Monthly Additions

Monthly Additions enhance your Survival Benefit and Death Benefit. At the end of
the GSB term, you receive a Survival benefit, which includes the Guaranteed Survival
benefit; plus Monthly Additions accrued till date; plus Enhancements to Monthly
Additions, if any. In the unfortunate event of the death of the life insured during
the GSB term, the nominee will receive the Death Benefit which includes the Guaranteed
Death Benefit; plus Monthly Additions accrued till date; plus Enhancements to Monthly
Additions, if any.

Policy Loans

You can also avail of loans on your policy once it has acquired a Surrender Value.
The minimum loan amount is Rs.5,000 and the maximum is 90% of your policy’s Surrender
Value.